Ysu

Youngstown, OH · Charter 21802

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Youngstown, OH · Charter 21802

Q4 1997

$4.2MAssets

$2.2MLoans

$4.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.69%-149 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.34%	2.23%	2.94%	3.18%	2.79%	2.80%	2.23%	1.69%	-149 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	14.66%	1.78%	4.19%	0.64%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-13.32%	-25.25%	-19.83%	-6.85%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	11.80%	0.35%	3.24%	1.85%	n/a
Asset Quality
Delinquent Loans / Loans	0.19%	0.47%	1.01%	1.33%	0.45%	3.03%	2.51%	2.18%	+85 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.44%	0.31%	0.49%	0.66%	0.23%	1.10%	0.87%	1.07%	+40 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	62.70%	71.19%	63.82%	59.79%	48.61%	53.03%	49.56%	54.68%	-511 bps
Liquid Assets / Assets	3.61%	2.64%	7.33%	15.81%	26.35%	35.80%	40.04%	33.75%	+1,794 bps